 Category :: Personal Finance Articles |
Author :: Chris Miller  |
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| Article Title :: What is a Cash Structured Settlement? |
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| What is exactly is a cash structured settlement? Basically a cash structured settlement occurs when there is an insurance company that provides scheduled payments to a person as a result of a claim settlement. In other words, a structured settlement is a monetary package that allows for payment of a settlement to occur through scheduled installment payments for a period of time.
Structured settlements were first introduced in early in the seventies in Canada, then spreading rapidly into the United States. Several years later, this method found its way to Australia as well as Europe.
One benefit of structured settlements is that provides a tax free recurring payment (read full article) |
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| Category :: Personal Finance Articles |
Author :: D Blackhurst |
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| Article Title :: How to Find a Little Extra Money in Your Budget |
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| I went to fill up my tank the other day and it cost me $50. I have almost always had a budget to follow and five years ago, I used to budget $50 for the entire month. Now with gas around $3 per gallon, I have to learn to stretch my dollars further than ever. So, here is an idea that can help you make it through the month without going completely broke.Have you ever heard that recognizing the problem is the first step? The same hold true with budgeting. Having a budget and just recognizing what you are spending money on is the first step toward financial freedom. Most people spend thousands of dollars without much thought to what they are buying.A simple yet surprising (read full article) |
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| Category :: Personal Finance Articles |
Author :: Taffy Wagner |
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| Article Title :: Organization Reduces Late Fees and Overcharging |
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| Debt is a subject that no one likes. Once you are out of debt, you make a commitment to yourself not to return to that place. One morning you are sitting in your home and the telephone rings. Lo and behold, it is a creditor on the other end of the phone stating that you have a remaining balance on an old collection bill. The attitude that comes through the other end of the phone is one of harsh. “Why didn’t you pay the bill?” Not an attitude of compassion for whatever situation you may have been through that prevented you from paying the bill.Are you simply left speechless by the phone call? First, listen to everything the person has to say without the attitude. Once they hav (read full article) |
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| Category :: Personal Finance Articles |
Author :: Rudi Ashdown |
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| Article Title :: The Dangers of Comparison Websites when Searching for the Cheapest Gas and Electricity |
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| The price of domestic gas and electricity has been a regular topic in the UK press over the last couple of weeks and for good reason. The current round of price increases that have just come into effect from many of the big utility companies have hit many people hard, not least the elderly and the lower wage earners. It is estimated that those who remained with their original supplier are now paying 20 – 30 percent more for their domestic fuel than those who have switched. With the current 14.2% extra added to the bill, and with the figures banded around that British Gas has lost nearly half a million customers this year alone, it is no surprise that the British public are saying enough (read full article) |
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| Category :: Personal Finance Articles |
Author :: Robert Benjamin |
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| Article Title :: Surviving the 2005-2006 Winter Heating Bills |
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| Heating your home or apartment is not just something you want to do during the winter months, it's something you need to do to survive. With energy prices expected to be up to 50% higher this winter many folks are actualy scared, because they find it hard to pay the heating bills every winter, and this year may be the worse in history.I live in a small apartment in the Northeast U.S. in the state of Pennsylvania. In the winter it gets very cold here. It's normal for us to have very cold temperatures from November - March, and during the months of January and February, we often have weeks where the daytime temperature never gets above 15 degrees.I heat my apartment here with (read full article) |
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| Category :: Personal Finance Articles |
Author :: Sufi Fanning |
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| Article Title :: Bill Pay Makes It Easy to Keep Your Bill Payments Under Control |
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| Just about everyone has had the frustrating, time-wasting experience of trying to pay bills over the phone, and many people still pay their bills by writing out a check, sticking a stamp on an envelope and mailing it. Even paying online can be unnecessarily time consuming if telephone, electricity, credit cards and other bills are all dealt with separately. Fortunately, Yahoo Bill Pay offers customers a much better alternative.Bill Pay makes it easy to pay bills online, and keep track of which bills are due and which have been paid, all in one place. Users can schedule regular bill payments, and have email reminders sent when bills are due. The home page shows a neat summary of the (read full article) |
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| Category :: Personal Finance Articles |
Author :: Tom Palange |
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| Article Title :: Are You a Casual Consumer? |
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| When developing your budget, it is important to monitor your daily purchases because you may discover that you have developed some expensive habits. Take for instance the daily ritual of stopping for a cup of coffee. Without realizing it, you may discover that you have been drinking away a small fortune.
All too often, individuals unconsciously make purchases that seem insignificant, but over time add up to be a significant amount of money. If you think hard enough, there are probably many casual purchases that you make on a daily basis.
The average cost to buy a cup of coffee and a muffin is $5.00. If you were to stop at the coffee shop everyday during a 7-day (read full article) |
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| Category :: Personal Finance Articles |
Author :: Matthew Keegan |
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| Article Title :: Online Banks: Great Rates, You Win! |
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| Consumers who are looking for decent returns on their monies need look no further than the internet for the best rates. Online or internet banks are growing in popularity as consumers discover that they are great sources for offering optimum rates, customer choice, as well as unmatched convenience. Let’s examine some of the benefits of banking online.Great rates. Sure, in this day of low interest rates, 4% may not sound like a good return on your money, but if you are currently earning .9% through your local bank’s checking account, you can open a money market account paying a much higher rate today. Some online banks have higher minimums than others, while other interne (read full article) |
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| Category :: Personal Finance Articles |
Author :: Hyacinth Fraser |
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| Article Title :: Save Loads of Money - Living on a Shoestring - 50 Great Ways to Save Money |
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| 1.Draw up a balance sheet of income and expenditure and make any adjustments as appropriate. Naturally, it is important to make sure there is more income than expenditure.2.If you haven’t already done so, it would be helpful to request a monthly bank statement, so that a very close track can be kept of finances.3.Seek advice for help with debt problems, the Citizen’s Advice Bureau (CAB) or an equivalent for your area would be useful. Make contact with debtors immediately to make appropriate repayment arrangements.4. Find out about getting interest on any credit in your current account.5.Where at all possible, use zero rated interest credit cards.6. (read full article) |
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| Category :: Personal Finance Articles |
Author :: Lori Radun |
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| Article Title :: 7 Secrets to Having a Financially Healthy Family |
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| How many times have you replied "We don't have the money for that" when your child asks you to buy him something? His innocent reply is "Get some from the machine or the bank". You think to yourself, "If only it were that easy". Managing money is a tough concept for children to grasp, and sometimes equally as challenging for parents. In order for your children to develop healthy money habits to take with them into adulthood, you, as their parent, must manage your money wisely and be diligent about teaching the concept of money to your children.So what are the secrets to having a financially healthy family? I had the pleasure of talking with my dear friend Thea, who happens to (read full article) |
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